PLMTX

Active

Principal LifeTime Hybrid 2040 Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.36%

Annual Cost per $10K

$36.00

30-Year Fee Drag per $10K

$7,320

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+16.80%

Asset Allocation

US Equity

51%

Intl Equity

24%

US Bond

20%

Intl Bond

Cash

Fee Comparison

PLMTX

0.36%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

58% cheaper than category average

Historical Returns

Monthly total returns (dividends reinvested) from SEC N-PORT filings · As of October 2025 · Updated quarterly

+58.18%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

PLMTX at 0.36%$344,012

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$36,600

Cost vs index fund−$33,412

Similar Funds (100)

Ranked by allocation similarity weighted by fund size · Returns (dividends reinvested) from SEC N-PORT filings · As of October 2025

Ticker	Name	ER	1yr	3yr	5yr
PLMTX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.80%	+16.52%	+11.31%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+13.88%	+18.67%	+10.62%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+14.96%	+20.02%	+11.67%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+14.42%	—	—
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.55%	+16.33%	+11.09%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+11.79%	+16.80%	+9.52%
SWYGX	Schwab Target 2040 Index Fund	0.08%	+12.91%	+18.66%	+10.75%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+16.09%	+21.04%	+12.21%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+16.07%	+21.02%	+12.19%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
SWERX	Schwab Target 2040 Fund	0.49%	+17.13%	+17.20%	+10.93%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+15.17%	+16.87%	+11.41%
FAVPX	Fidelity Freedom Index 2045 Fund	0.05%	+15.70%	—	—
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
FAVQX	Fidelity Freedom Index 2050 Fund	0.04%	+15.63%	—	—
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
SWYFX	Schwab Target 2035 Index Fund	0.08%	+11.78%	+17.31%	+9.77%
IDXKX	VOYA INDEX SOLUTION 2040 PORTFOLIO	0.74%	+13.34%	+18.64%	+11.03%
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+15.19%	+20.75%	+12.10%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+16.05%	+21.03%	+12.19%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
FAVRX	Fidelity Freedom Index 2055 Fund	0.08%	+15.69%	—	—
LTRDX	Principal LifeTime 2045 Fund	0.86%	+15.28%	+16.29%	+10.94%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
QCSTFX	College Retirement Equities Fund - Stock Account	—	+15.58%	+22.55%	—
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
FAVUX	Fidelity Freedom Index 2060 Fund	0.08%	+15.70%	—	—
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
TTIIX	Nuveen Lifecycle Index 2055 Fund	0.25%	+13.51%	+16.01%	+10.99%
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+11.37%	+15.77%	+8.45%
SWIRX	Schwab Target 2035 Fund	0.45%	+15.99%	+16.08%	+10.00%
PDARX	Diversified Real Asset Fund	1.23%	+6.65%	+4.23%	+7.01%
EAAFX	Allspring Asset Allocation Fund	0.75%	+14.98%	+14.21%	+7.56%
FMQRX	Franklin Mutual Quest Fund	0.72%	+10.72%	+14.86%	+10.04%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+11.11%	+16.48%	+8.96%
TTFIX	Nuveen Lifecycle 2045 Fund	0.68%	+10.73%	+14.58%	+9.87%
LTAOX	Principal LifeTime 2035 Fund	0.56%	+12.56%	+13.48%	+8.64%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
VLXVX	VANGUARD TARGET RETIREMENT 2065 FUND	0.08%	+16.03%	+21.03%	+12.20%
TSGGX	Nuveen Lifestyle Growth Fund	0.92%	+10.10%	+14.02%	+8.79%
FFBRX	Fidelity Freedom Blend 2035 Fund	0.47%	+12.50%	+17.86%	—
FFNOX	Fidelity Multi-Asset Index Fund	0.11%	+13.40%	+14.96%	+10.03%
SSBYX	State Street Target Retirement 2030 Fund	0.09%	+11.12%	+15.79%	+8.24%
CAMRX	Calvert Moderate Allocation Fund	0.67%	+8.07%	+13.74%	—
SSCQX	State Street Target Retirement 2040 Fund	0.09%	+13.33%	+18.19%	+9.77%
GGSPX	Goldman Sachs Growth and Income Strategy Portfolio	0.55%	+11.16%	+15.50%	+8.74%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+10.81%	—	—
SWYHX	Schwab Target 2045 Index Fund	0.08%	+13.80%	+19.75%	+11.60%
YACKX	AMG Yacktman Fund$1M min	0.62%	+8.31%	+15.32%	+12.76%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
PHJYX	Principal LifeTime Hybrid 2045 Fund	0.34%	+17.90%	+17.50%	+12.10%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	0.06%	+22.33%	+21.23%	+14.51%
IDXFX	VOYA INDEX SOLUTION 2030 PORTFOLIO	0.47%	+10.35%	+14.76%	+8.28%
TGAFX	T. Rowe Price Global Allocation Fund	0.82%	+13.22%	+13.63%	+8.27%
VGWAX	VANGUARD GLOBAL WELLINGTON FUND	0.43%	+7.32%	+11.22%	+8.54%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
PHJJX	Principal LifeTime Hybrid 2035 Fund	0.47%	+14.88%	+14.75%	+9.86%
FAVVX	Fidelity Freedom Index 2065 Fund	0.08%	+15.69%	—	—
TVIIX	Nuveen Lifecycle Index 2060 Fund	0.10%	+13.62%	+16.19%	+11.13%
SWDRX	Schwab Target 2030 Fund	0.40%	+14.41%	+14.62%	+8.82%
FATHX	Fidelity Advisor Freedom 2035 Fund	0.65%	-16.73%	-33.83%	-41.49%
ISJAX	VOYA INDEX SOLUTION 2045 PORTFOLIO	0.22%	+14.55%	+19.91%	+12.01%
FFFGX	Fidelity Freedom 2045 Fund	0.65%	+16.47%	+21.75%	+12.60%
MACBX	MFS Conservative Allocation Fund	0.83%	+5.79%	+6.88%	+3.65%
QCGLFX	College Retirement Equities Fund - Global Equities Account	—	+16.85%	+24.08%	—
LGMNX	Loomis Sayles Global Allocation Fund	0.82%	+7.75%	+18.31%	+7.67%
FFFHX	Fidelity Freedom 2050 Fund	0.65%	+16.45%	+21.73%	+12.58%
AXBAX	Columbia Capital Allocation Aggressive Portfolio	1.03%	+19.92%	+18.54%	+12.03%
FFBTX	Fidelity Freedom Blend 2040 Fund	0.47%	+14.75%	+20.55%	—
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+11.19%	+10.71%	+6.94%
PFLJX	Principal LifeTime 2050 Fund	0.88%	+16.21%	+17.21%	+11.63%
SWC1Z	Schwab VIT Balanced with Growth Portfolio	0.54%	+10.75%	+15.16%	+8.07%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
ACWI	iShares MSCI ACWI ETF	0.32%	+22.76%	+21.69%	+14.63%
CIPAX	American Funds Conservative Growth and Income Portfolio	0.88%	+11.79%	+11.52%	+8.53%
ISPCX	VOYA SOLUTION 2035 PORTFOLIO	1.24%	+11.34%	+16.77%	+9.51%
FCTKX	Fidelity Freedom 2055 Fund	0.45%	+16.71%	+22.03%	+12.89%
EXHAX	Pro-Blend Maximum Term Series	0.70%	+10.46%	+14.03%	+9.62%
FAFFX	Fidelity Advisor Freedom 2040 Fund	0.63%	-15.09%	-32.33%	-40.56%
OWLSX	Old Westbury Large Cap Strategies Fund	1.09%	+19.20%	+19.95%	+11.94%
AAAAX	DWS RREEF Real Assets Fund	0.89%	+4.30%	+8.33%	+7.91%

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